Search or add a thesis

Advanced Search (Beta)
Home > The Microfinance Paradigm: Poverty Alleviation and Economic Empowerment A Case Study of Bahawalpur Division

The Microfinance Paradigm: Poverty Alleviation and Economic Empowerment A Case Study of Bahawalpur Division

Thesis Info

Access Option

External Link

Author

Shahina Aslam

Program

PhD

Institute

The Islamia University of Bahawalpur

City

Bahawalpur

Province

Punjab

Country

Pakistan

Thesis Completing Year

2016

Thesis Completion Status

Completed

Subject

Economics

Language

English

Link

http://prr.hec.gov.pk/jspui/bitstream/123456789/9955/1/complete%20thesis%203%201st%20CD.pdf

Added

2021-02-17 19:49:13

Modified

2024-03-24 20:25:49

ARI ID

1676725113191

Asian Research Index Whatsapp Chanel
Asian Research Index Whatsapp Chanel

Join our Whatsapp Channel to get regular updates.

Similar


The focus of this study is mainly on impact of microfinance on poverty alleviation and economic empowerment as well as on the effectiveness of economic, social and institutional factors in manipulating the role of microfinance. It also investigates the impact of different microfinance models and gender differential on poverty alleviation and economic empowerment in the prospective of microfinance. It is a primary data research conducted in the Bahawalpur division, Pakistan. The study employed the tool developed in collaboration by Assessing the Impact of Microenterprise Services (AIMS) and Small Enterprise Education and Promotion network (SEEP). The tool has been modified in the local context. Like all the AIMS studies, the present study also used the group of incoming clients as the comparison group in order to deal selection bias. The sample consists of 1524 respondents, out of which 773 are established clients (treatment group ) and 751 are incoming ones (control group), belonging to different microfinance providers of Pakistan that are NRSP, AKHU, FMFB, KASHF, KB, NRSP-B, TMFB. Data has been collected through face to face structured interviewing using a questionnaire. Independent Sample T-Test, Logit and Multiple regression have been used for analysis. The main findings of the study are that microfinance alleviates poverty as the net difference of 23 percent between both groups with respect to category ‘non-poor’ can be attributed to participation in microfinance programmes, however it does not reach the poorest of the poor, as microfinance providers mostly targeted the moderate poor. The results show that participation to microfinance programme has negative effect on poverty status of borrowers, and substantial positive effect on income, food security, housing, household assets, household saving and decision making empowerment of borrowers. However its effect on education of children, household health, productive assets and employment presents a mix picture. Because microfinance has been found to have a strong positive impact on some indictors of these variables while very minute positive impact or even no impact on some other indicators. Female mature clients have been found poorer than male ones. However they have been found more conscious about quality of housing, education of children and household health as compared to male clients. Only 14 percent of female clients take the decision themselves about use of microloan. It has been found that economic wellbeing and economic empowerment of borrowers after availing microfinance is positively affected by consumer protection, education of borrowers, experience, business training, number of employed persons, length of membership, relation to household head, area and family reaction to business activity but negatively by diversion of loan, interest rate, age of the borrowers and number of dependents. It also has been found that gender does not matter in determining the role of microfinance in alleviating poverty and enhancing economic empowerment; however microfinance modelling matters in this connection.
Loading...
Loading...

Similar Books

Loading...

Similar Chapters

Loading...

Similar News

Loading...

Similar Articles

Loading...

Similar Article Headings

Loading...

مایوسی گناہ ہے

مایوسی گناہ ہے
اللہ تعالیٰ نے انسان کو اشرف المخلوقات بنایا اور پھر اس کے سر پر عظمت کا تاج سجایا۔ اس کو دیگر مخلوقات پر فوقیت دی، اس کی عظمت کا راز اس کی عقل سلیم میں رکھا کیونکہ دیگر مخلوقات میں شرف و بزرگی کا عنقاء عدم عقل و خرد ہے، اور پھر اُس کوصحیح اور غلط کی پہچان نصیب فرمائی۔ اور اُس کی رفعت کے حصول کے لیے کوشش کومحمودگردانا۔
ارشاد ِباری تعالیٰ ہے کہ ’’انسان کے لیے وہی کچھ ہے جس کے لیے وہ کوشش کرے۔‘‘
اگر ہاتھ پر ہاتھ دھرے بیٹھار ہے اور تگ و دو اور شبانہ روز کوشش سے دست کش ہو جائے مایوسی کے ظلمت کدہ کا مکیں بن جائے ، نا امیدی کے عفریت کے جبڑوں میں پھنس جائے تو پھر بلیّات و مصائب کے مہیّب سائے تو اُس کے آنگن میں آ سکتے ہیں ، خوش بختی اور خوش نصیبی کے آفتاب کی کرنوں سے اس کا گھر محروم رہے گا۔
مایوسی و یسے گناہ ہے۔ نا امیدی کے سائے کے نیچے پروان چڑھنے والا پودا کبھی شجر سایہ دار نہیں بن سکتا۔ نا امیدی کے گلستان میں کھلنے والے گلہائے رنگا رنگ خوشبو کی راحت افزاء مہک سے عاری ہوتے ہیں ، مایوسی کے خار ہائے نوک دار پر پاپیادہ شخص آبلہ پائی کا شکار ہوسکتا ہے ہریرو پرنیاں اور مخمل کا احساس اُس سے کوسوں دور ہوتا ہے۔
قرآنِ پاک میں ارشادِ باری تعالیٰ ہے کہ ’’ لا تقنطو من رحمۃ اللہ‘‘اللہ تعالیٰ کی رحمت سے نا امید مت ہوں ۔ بحثیت مسلمان تو نا امیدی ویسے بھی گناہ اور حرام ہے۔ انسان جب امید سے اپنے دامن کو پر رکھتا ہے تو مسرتیں اور راحتیں اس کے دروازے پر دستک دیتی رہتی ہیں۔ اور امید ہی کی کرن اس کو حیات نوبخشتی ہے۔
کسان...

Reconciliation Process in Afghanistan and Pakistan as Cardinal Player

Afghanistan is in state of war for almost 40 long years but the political dynamics got changed after 9/11. Since the war on terror started facets of peace talks launched without meaningful end. The reconciliation process in Afghanistan had immediately started after establishment of Afghan interim government in 2001. Till 2016 mid, four different reconciliation /reintegration processes were launched by the USA and Hamid Karzai government with Afghan Taliban. The new elected president Ashraf Ghani ended all such processes in 2016 but showed willingness again in 2018 for direct peace talks between USA and Taliban clerics. In the current political scenario, Afghan reconciliation process is back on track with direct peace talks between USA, Taliban and Afghan Government along other international actors. However, Taliban were not ready to sit with the Afghan Government and this is where the Pakistan played as key to Afghan peace process. The focus of this research article is to find the challenges and opportunities of this peace process; Pakistan’s role as cardinal player can consolidate the peace process in Afghanistan. Furthermore, this research will give future recommendations for the peace process in Afghanistan.

Modeling and Analysis of Plume Dispersion and Particle Trajectories in Sub-Urban Environment Using Coupled Meteorological and Dispersion Models

Chemical or radioactive air pollutants whether emitted accidently or by routine releases into the environment from industrial sources may be catastrophic if not monitored, assessed and controlled. Atmospheric dispersion modeling of such pollutants is an essential regulatory requirement for environmental impact assessment (EIA), safety analysis and emergency preparedness and planning (EPP). It may help in decision making regarding the emergency evacuation of population from affected areas in accidental scenario or emission reduction in specific situations when air quality is deteriorating unacceptably. Present research is directed initially on computational modeling methodology for precise atmospheric dispersion of pollutants and subsequently towards practical setups, procedures and experimentation for model validation. The proposed modeling strategy involved use of ‘coupled meteorological and dispersion models’ in Pakistan specific conditions. Thus output of a meteorological model at all nodal points of the grid under consideration can be coupled or used as precise input for dispersion model. Using this concept, advanced dispersion models such as CALPUFF and FLEXPART were coupled with appropriate meteorological models such as MM5 and WRF for realistic predictions. Sensitivity of different empirical correlations or parameterization schemes of the meteorological model was thoroughly investigated prior to coupling it with dispersion model to ensure its valid use for geographical and climatic conditions of Pakistani region. Sensitivity analysis of four parameterized schemes in MM5 model for Pakistani region indicated that Grell scheme generated better results for all parameters and resolutions for lesser precipitation intensity. A detailed study using coupled meteorolgical and dispersion model was performed in this research. Modeling results in the form of ground level pollutant concentrations were verified by conducting field tracer experiments, a work that has never been carried out for any Pakistani region. In present work, experimentation was performed using two gaseous tracers, sulfur dioxide (SO2) and sulfur hexafluoride (SF6). The first set involved small scale dispersion experiments over a flat ground at Pakistan Institute of Engineering and Applied Sciences (PIEAS) by releasing SO2 gas at a rate of 0.05 g/sec from a height of 30 ft. In the second set of experimental work, emissions from a brick kiln of 60ft height with SO2 release rate of 0.3 g/s were measured at different sampling points covering larger distances up to 1640 ft. Moreover, the available data of groud level SO2 concentrations from a cluster of stacks of oil refnery and oilfield was also used for validating the results of dispersion modeling studies. In the third set of experiments, a 100 ft high experimental stack, designed, fabricated and installed as a part of this research was used to release SO2 at a controlled precise rate of 0.6 g/s and air sampling was done at varied directions and distances ranging up to about 3000 ft. In the final set of experiments, SF6 gas was released with a rate of about 7.0 g/s at a height of 230 ft and samples were taken at 36 sampling points simoultaneously at distances ranging from 2300 ft to about 33000 ft. Overall trends of time series plots of measured and modeled SO2 concentrations using PIEAS experimental stack were found to be in reasonable agreement as reflected by correlation coefficient ‘r’ and Index of agreement ‘d’ ranging from 0.74 to 0.91 and 0.40 to 0.64 respectively. This shows that coupled model performance was satisfactory for prediction of ground level SO2 concentration. The SF6 test results demonstrated the cross-wind diffusion as well as down-wind dispersion very well. A slight deviation in directions of plume and sampling point locations was observed. This may be due to the difference in predicted and real wind directions. However, this indicated a limitation of the modeling strategy in reproducing instantaneous behavior of wind over a short sampling period of 10 minutes. To incorporate the effect of atmospheric chemical reactions on predicted ground level concentrations by FLEXPART dispersion model, few new subroutines were written and suggested to be incorporated into the model. In order to trace out ‘the real time- three dimensional particle trajectory’ predicted by coupled MM5 and FLEXPART model, a three-dimensional post-processor was also developed in this research work to show the multilayered data of regional topography, geography, wind field and particles positions. The ‘coupled-model’ results and subsequent visualization of particle trajectories exhibited an irregular shaped ‘potential vulnerable area’ covered by the plume. It was quite different from expected straight line plume dispersion generally predicted by Gaussian Plume Model (GPM). This more precise visualization in an accidental scenario may help disaster management authorities in making decisions regarding emergency evacuation of population from indicated ‘potential vulnerable areas’.